1 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a purchase transaction with a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.

Current ARM Mortgage Rates for Hawaii

Adjustable Rate Mortgages (ARMs) adjust annually after initial fixed period. Annual adjustments for the 1, 3, 5, 7, and 10 year Adjustable Rate Mortgages (ARMs) are based on the weekly average yield on the 1-year LIBOR Index, currently 0.63% as of 6/5/2020 plus a margin of 2.250% for owner-occupant, 2.750% for investors. Adjustable Rate Mortgage rates are subject to increase after consummation.

Program

Rate

Points

APR

P&I

1-yr ARM²

2.000%

1.125

2.96%

$3.70 per $1,000 borrowed for First 12 Monthly Payments

3-yr ARM²

2.125%

1.125

2.86%

$3.76 per $1,000 borrowed for First 36 Monthly Payments

5-yr ARM²

2.250%

1.125

2.81%

$3.82 per $1,000 borrowed for First 60 Monthly Payments

7-yr ARM²

2.500%

1.125

2.90%

$3.95 per $1,000 borrowed for First 84 Monthly Payments

10-yr ARM²

2.625%

1.125

2.88%

$4.02 per $1,000 borrowed for First 120 Monthly Payment

Interest rates updated as of 6/5/2020

2 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a purchase transaction with a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.

Current Fixed Mortgage Rates for Guam

Program

Rate

Points

APR

P & I

30-yr Fixed Rate¹

3.125%

1.125

3.28%

$4.28 per $1,000 borrowed for 360 Monthly Payments

15-yr Fixed Rate¹

2.625%

1.250

2.93%

$6.72 per $1,000 borrowed for 180 Monthly Payments

Interest rates updated as of 6/5/2020

1 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a purchase transaction with a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.

Current ARM Mortgage Rates for Guam

Adjustable Rate Mortgages (ARMs) adjust annually after initial fixed period. Annual adjustments for the 1, 3, 5, 7, and 10 year Adjustable Rate Mortgages (ARMs) are based on the weekly average yield on the 1-year LIBOR Index, currently 0.63% as of 6/5/2020 plus a margin of 2.250% for owner-occupant, 2.750% for investors. Adjustable Rate Mortgage rates are subject to increase after consummation.

Program

Rate

Points

APR

P&I

1-yr ARM²

2.000%

1.125

2.96%

$3.70 per $1,000 borrowed for First 12 Monthly Payments

3-yr ARM²

2.125%

1.125

2.86%

$3.76 per $1,000 borrowed for First 36 Monthly Payments

5-yr ARM²

2.250%

1.125

2.81%

$3.82 per $1,000 borrowed for First 60 Monthly Payments

7-yr ARM²

2.500%

1.125

2.90%

$3.95 per $1,000 borrowed for First 84 Monthly Payments

10-yr ARM²

2.625%

1.125

2.88%

$4.02 per $1,000 borrowed for First 120 Monthly Payment

Interest rates updated as of 6/5/2020

2 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a purchase transaction with a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.

Current Fixed Mortgage Rates for Saipan

Program

Rate

Points

APR

P&I

30-yr Fixed Rate¹

4.750%

1.000

4.92%

$5.21 per $1,000 borrowed for 360 Monthly Payments

15-yr Fixed Rate¹

4.250%

1.000

4.54%

$7.52 per $1,000 borrowed for 180 Monthly Payments

Interest rates updated as of 6/5/2020

1 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 30% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a purchase transaction with a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in Saipan only.

Current ARM Mortgage Rates for Saipan

Adjustable Rate Mortgages (ARMs) adjust annually after initial fixed period. Annual adjustments for the 1, 3, 5, 7, and 10 year Adjustable Rate Mortgages (ARMs) are based on the weekly average yield on the 1-year LIBOR Index, currently 0.63% as of 6/5/2020 plus a margin of 2.250% for owner-occupant, 2.750% for investors. Adjustable Rate Mortgage rates are subject to increase
after consummation.

Program

Rate

Points

APR

P&I

1-yr ARM²

3.000%

1.500

3.30%

$4.22 per $1,000 borrowed for First 12 Monthly Payments

3-yr ARM²

3.125%

1.500

3.31%

$4.29 per $1,000 borrowed for First 36 Monthly Payments

Interest rates updated as of 6/5/2020

2 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 30% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a purchase transaction with a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in Saipan only.

First Hawaiian Bank Wealth Management Group provides financial products and services through First Hawaiian Bank and its broker dealer Raymond James Financial Services. First Hawaiian Bank and its affiliates do not provide tax or legal advice.

First Hawaiian Bank products and services are not available for residents of the European Union.

The insurance and annuity products are obligations of the insurance company and (i) are not insured by the FDIC or any other agency of the United States; and (ii) are not deposits or other obligations of, or
guaranteed or insured by, First Hawaiian Bank or any of its affiliates. For certain cash value life insurance products there is investment risk, including the possible loss of value.

Investment, Annuity, and Insurance products are:NOT INSURED BY FDIC OR ANY GOVERNMENT AGENCY • MAY LOSE VALUE • NOT A DEPOSIT • NOT GUARANTEED BY FIRST HAWAIIAN BANK